MSBB vs PFSB: stock comparison and AI forecast
Mercer Bancorp, Inc. (MSBB) and Pfs Bancorp, Inc. (PFSB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
MSBB Mercer Bancorp, Inc.
- Price
- $20.00 +15.9% · 6M
- Market Cap
- $20M
- P/E Ratio
- 15.9x
- Size
- small-cap
- AI Forecast
PFSB Pfs Bancorp, Inc.
- Price
- $20.30 +11.0% · 6M
- Market Cap
- $31M
- P/E Ratio
- 18.9x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- PFSB is 1.5 times larger than MSBB by market capitalization ($31M against $20M).
- MSBB trades at 15.9 times trailing earnings, PFSB at 18.9 times.
- Over the last six months MSBB returned +15.9% and PFSB +11.0%.
- PFSB turns 24.4% of its revenue into net income, against 14.9% for MSBB.
- MSBB carries 5.93 times debt per unit of equity, against 4.38 times for PFSB.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | MSBB | PFSB |
|---|---|---|
| Market Cap | $20M | $31M |
| P/E Ratio | 15.93x | 18.93x |
| P/B Ratio | 0.90x | 0.83x |
| EPS | $1.26 | $1.07 |
| Book Value/Share | $22.30 | $24.60 |
| Revenue/Share | $9.15 | $4.48 |
| FCF/Share | $0.59 | – |
Profitability & Margins
| Metric | MSBB | PFSB |
|---|---|---|
| ROE | 5.5% | 4.4% |
| ROA | 0.8% | 0.8% |
| Net Margin | 14.9% | 24.4% |
| EBT Margin | 18.6% | 30.1% |
| Tax Rate | 20.1% | 19.0% |
Financial Health
| Metric | MSBB | PFSB |
|---|---|---|
| D/E Ratio | 5.93x | 4.38x |
| Financial Leverage | 6.93x | 5.38x |
Cash Flow
| Metric | MSBB | PFSB |
|---|---|---|
| Operating Cash Flow | $2M | $2M |
| Free Cash Flow | $600K | – |
| Capital Spending | -$2M | – |
| OCF Growth YoY | – | 32.4% |
| FCF/Sales | 6.5% | – |
| CapEx/Sales | 20.4% | – |
Operational Efficiency
| Metric | MSBB | PFSB |
|---|---|---|
| Asset Turnover | 0.05x | 0.03x |
| Fixed Assets Turnover | 1.8x | 3.4x |
Income Statement
| Metric | MSBB | PFSB |
|---|---|---|
| Total Revenue | $9M | $7M |
| Net Income | $1M | $2M |
Dividend & Shareholder Information
| Metric | MSBB | PFSB |
|---|---|---|
| Shares Outstanding | 1M | 2M |
| Net Income Growth | 129.7% | 34.9% |
| EPS Growth | 350.0% | 55.1% |
MSBB vs PFSB: stock comparison and AI forecast
Which is bigger, MSBB or PFSB?
PFSB is 1.5 times larger than MSBB by market capitalization ($31M against $20M).
Which is cheaper on earnings, MSBB or PFSB?
MSBB trades at 15.9 times trailing earnings, PFSB at 18.9 times.
Which stock performed better over the last six months, MSBB or PFSB?
Over the last six months MSBB returned +15.9% and PFSB +11.0%.
Which one does Intratio's AI model rank higher, MSBB or PFSB?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.